Question 1

How long does a bridge loan last in California?

Accepted Answer

Most bridge loans run 6 to 12 months. Some lenders extend to 24 months if your exit plan supports it.

Question 2

Do I need to sell my home first to qualify?

Accepted Answer

No — that's the point. Bridge loans let you buy before your current home sells. Your equity secures the loan.

Question 3

What credit score do I need for a bridge loan?

Accepted Answer

Most lenders want 640 or higher. Strong equity can sometimes offset a lower score on non-QM bridge products.

Question 4

Are bridge loans available for agricultural properties in Merced County?

Accepted Answer

Yes, but lender appetite varies. Some wholesale lenders restrict ag-zoned collateral — we sort through that for you.

Question 5

What are typical bridge loan rates in California?

Accepted Answer

Rates run higher than conventional loans. Rates vary by borrower profile and market conditions — we shop across 200+ lenders for best fit.

Question 6

Can self-employed borrowers in Livingston use bridge loans?

Accepted Answer

Yes. Bridge loans are non-QM, so lenders focus on equity and exit strategy — not W-2s or tax returns.

Bridge Loans in Livingston, CA — Move Without Waiting to Sell